Call reports 2025
PRESENCE BANK — 2025
What PRESENCE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 462,895,000 | 459,821,000 | 452,563,000 | 455,994,000 |
| Total loans | 351,135,000 | 357,822,000 | 356,557,000 | 356,046,000 |
| Allowance for loan losses | 4,447,000 | 4,498,000 | 4,509,000 | 4,451,000 |
| Securities available for sale | 38,514,000 | 35,600,000 | 30,189,000 | 18,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,628,000 | 363,421,000 | 355,044,000 | 358,987,000 |
| Interest-bearing deposits | 342,336,000 | 337,747,000 | 330,410,000 | 332,066,000 |
| Noninterest-bearing deposits | 25,292,000 | 25,674,000 | 24,634,000 | 26,921,000 |
| Equity capital | 43,074,000 | 43,893,000 | 45,200,000 | 42,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,925,000 | 12,141,000 | 18,379,000 | 24,626,000 |
| Interest expense | 2,897,000 | 5,882,000 | 8,782,000 | 11,705,000 |
| Net interest income | 3,028,000 | 6,259,000 | 9,597,000 | 12,921,000 |
| Noninterest income | 242,000 | 520,000 | 755,000 | 625,000 |
| Noninterest expense | 2,472,000 | 4,965,000 | 7,340,000 | 14,497,000 |
| Provision for loan losses | 66,000 | 90,000 | 91,000 | -5,000 |
| Pretax income | 749,000 | 1,728,000 | 2,939,000 | -922,000 |
| Income tax | 160,000 | 367,000 | 623,000 | -336,000 |
| Net income | 589,000 | 1,361,000 | 2,316,000 | -586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,168,000 | 43,940,000 | 44,895,000 | 42,228,000 |
| Total capital | 47,581,000 | 48,466,000 | 49,352,000 | 46,723,000 |
| Risk-weighted assets | 353,003,000 | 362,071,000 | 356,519,000 | 360,410,000 |